April/2014

POVERTYMAP

Increasing capabilitiesand opportunities

Higher incomeImproved welfare

IncomeTransfers

Rural and Urban Productive Inclusion

Enhanced access to Public Services

BRAZIL WITHOUT EXTREME POVERTY PLAN

BOLSA FAMILIA

Source: MDS.

1. Alleviates poverty2. Increases school attendance and reduces dropout rates3. Improves access to health services for children and for pregnant and breastfeeding women

Cash transfers (RS$ billions)

Number of families (millions)

Fonte: MDS.

BOLSA FAMILIA

POLL WITH FAMILIES INCLUDED IN THE SINGLE REGISTRY• Around 70% of respondents say they never have monthly surplus for

saving• Among the others, 15% use spare money to buy food and clothing and

13% save• In small and medium cities in the poorest regions in Brazil, there is

limited access to financial services and products• More than 40% said the reason for not having a banking account is the

minimum deposit requirement• In terms of financial products, the most common are:

1. simplified banking account (debit card); 2. savings account; 3. credit card; 4. checkbooks;

5. funeral insurance;

6. health insurance; 7. saving bonds; 8. life insurance

BOLSA FAMILIA BENEFITS GO STRAIGHT TO FAMILIES ACCOUNTS

ACCESS %Lottery Shops 49,92Banking account 21,12ATM 20,22Banking Correspondent 7,31Withdraw without the card from the cashier

1,38

Withdraw with the cardfrom the cashier

0,05

• 3,77 million of families received by deposit in a banking account• 86,7% of the amount deposited in banking account are spend with a

debit cardSource: CEF, dez/2013

93% of cardholders' of Bolsa Família are women

8,2million

4,1million

(50%)

CRESCEROriented Productive Microcredit

(*) Operações realizadas por pessoas físicas e microempreendedores individuais. Fonte: MF e MDS em dezembro/2013.

Opportunities for structuring and expanding businesses with the support of oriented productive microcredit

Total operations*

Operations carried out by Bolsa Familia beneficiaries

Operations carried out by people from the Single Register

2,8million

(34%)

Leadership and government priority Eradicating extreme poverty and create opportunities for all is the

number 1 priority of Brazil’s federal government Large scale and simplicity for easy replication

In a country as large and diverse as Brazil, we needed a scaled program that could easily be reproduced

Money goes straight to the beneficiaries – cash transfers through debit card

Partnerships Working in articulation with the municipalities is paramount to

implement the policies and reach the target population The partnership with public banks to design specific products to this

public is also important Economic context

KEYS TO SUCCES

www.brasilsemmiseria.gov.brwww.brasilsemmiseria.gov.br/municipioswww.brasilsemmiseria.gov.br/estados